Did Zhongyuan Bank use the original E flower to check the credit information? These aspects are the most critical.

Zhongyuan Bank has an original e-flower credit loan, which can be applied for without mortgage guarantee, and is very popular. However, because it is a bank product, some friends are worried that handling bank credit business will have an impact in the future. Let's take a look together.

Did Zhongyuan Bank use the original E flower to check the credit information?

The bank's credit products pay more attention to the borrower's credit and repayment ability, which will be understood by checking the credit report, as well as the original e-flower. When applying, the borrower needs to agree to authorize the bank to inquire about credit information, and will not lend without consent.

After being authorized, Zhongyuan Bank will inquire about the credit information in the name of loan approval, and the credit information inquiry record on the credit information report will show the inquiry reason and inquiry time. This kind of inquiry record is a hard inquiry, which will be frequently inquired by different institutions in a short time, resulting in a waste of credit information.

What was Zhongyuan Bank's original e-flower credit investigation for?

Credit report is an individual's economic identity card, which records five types of information, namely, basic information, credit information, non-financial liability information, * * information and inquiry information. Bank loans mainly rely on credit investigation and information inquiry.

Credit information, including credit cards and loans, is the core information in the credit report, from which banks can know the credit and liabilities of lenders, and then judge their repayment ability in combination with their income and assets; Query information can show who has checked the credit report in the past 2 years and why.

If Zhongyuan Bank finds that the lender has a bad credit record, or has repeatedly granted credit or exceeded credit, etc. If the debt is too high and there are too many hard questions, it may think that the lender's repayment ability is not good and may directly refuse the loan.